Best Credit Repair Companies 2022: Repair Your Credit Score Quickly

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Published Jan. 21, 2022

Your credit report can have a significant impact on your overall life. It can almost control how you act financially. People with bad credit tend to suffer more than others. They usually have to pay more on home loans, car insurance, and mortgage than others.

Sometimes your poor credit may be due to credit report mistakes. Sometimes your poor credit may be due to credit report mistakes. You can try to remove the inaccurate information from the credit report yourself. However, the process is often frustrating and time-consuming.

To take the stress off your shoulders, you can use the services of credit repair companies. Most credit repair companies do the heavy lifting for you. They obtain your reports, find inaccuracies, and dispute them.

Below is a list of the most reputable credit repair companies to use to fix your credit today!

Legitimate credit report companies to try today Best credit repair services

Lexington Law: Best with the most experience

National Debt Relief: Best debt relief

myFICO: Best for fixing FICO scores

Credit Firm: Best for unlimited disputes

Credit Saint is a reputable credit repair company based in New Jersey. They gained Better Business Bureau accreditation in 2007. Since that time, Credit Saint has maintained an “A” rating.

You can start by requesting a free consultation and speaking with a credit specialist. Credit Saint works by disputing inaccuracies on your credit report to get them removed, which can also help to prevent further damage to your credit score.

If you qualify, the Credit Saint specialists will open an account for you on their partner website, This site allows you to view your credit report and look for areas that could use improvement.

The specialist then conducts an extensive analysis to identify any mistakes that negatively impact your credit score. Credit Saint systems run in 45-day cycles. You’ll receive several progress reports during that time. You can also use the easy-to-use online dashboard to monitor your progress.

Credit Saint specialists will also teach you ways to build credit. They will teach you how to make better financial decisions in the future. They offer 3 different packages and a 90-day money-back guarantee.


● BBB accredited

● Free credit repair consultation

● 90-day money-back guarantee


● Limited availability

● High first-work fees

Lexington Law

Lexington Law is a Utah-based law firm founded in 2004. They offer smooth credit repair processes and have helped thousands repair their credit. The professionals here believe that acquiring good credit takes time and effort.

Lexington Law reviews your existing credit report and identifies the areas causing damage to your financial credibility. They then challenge the creditor and credit bureaus to validate those items. After that, they keep track of your credit score for a short while and identify any new issues that appear.

This law firm can also stop creditors from harassing you. They can send cease and desist letters on your behalf. The average client on Lexington Law needs about 6 months of credit repair service. However, it can vary from case to case.

They offer 3 credit repair packages and a free consultation. Best of all, they do not charge any initial work fees.


● Free consultation

● Can send and desists letters on your behalf

● No initial work fees


● Not BBB accredited

● No service guarantee or refund policy

National Debt Relief

Natural Debt Relief is a New York-based accredited debt settlement company. Since 2008, they have been providing debt settlement services to clients. With this, you can be assured they can help you eliminate your debt by allowing you to pay less than what you owe. Although settlement is not ideal, people use it as a last resort to avoid bankruptcy.

Your credit score will take a serious hit if you choose to settle your debt. The company will work with your creditors to settle debts on your behalf, which means that you will not be making the payments.

Missing payments will negatively impact your credit report. However, the ultimate goal is to become debt-free. This way, you can settle all your accounts so you can start to restore and rebuild your credit.

You need to be at least $7500 in debt to enroll. You can join the program through an easy phone enrollment process. Settlement fees range from 15% to 25% of the total debt enrolled. Do keep in mind that certain debts are not eligible for settlement.


● BBB accredited

● Free consultation

● No upfront settlement fees


● High fees - as much as 25% of your settled debt

● No mobile app


myFICO is an analytical company that is an official partner of FICO. It is an all-in-one credit repair service provider where data is pulled from not one but three credit bureaus. Each lender already uses your FICO score, so it is highly recommendable to know how it works.

myFICO credit repair services include giving you information about your credit score, tips to improve your score, and products that can help protect you from identity theft. Based on your FICO score, they also show you some credit cards that you could qualify for. These credit cards can help if you suffer from bad credit, recover from bankruptcy, or rebuild your credit.

You can choose from any of myFICO’s 3 primary plans. Each plan contains extensive FICO alerts, tools, estimators, and simulators. These can help you analyze your FICO score activity for a fair idea of how various financial decisions will affect your creditworthiness.


● Official partner of FICO

● Provides the most accurate credit information

● Identity theft protection services


● Expensive

● Difficult to cancel the service

Credit Firm

Credit Firm was founded in 1997 and continues to offer credit-related legal assistance. This legitimate credit repair company sets no limits for credit restoration services. A certified credit consultant will go over your credit reports and let you know what your next steps should be.

The consultant will perform an unlimited number of credit bureau inquiries and personal information variance challenges.

The firm will also perform procedural request verifications, goodwill interventions, and escalated credit information requests. Credit Firm can also stop collectors from harassing you.

According to information on their website, you can expect to see an improvement in your credit score in about 90 days. However, some people see an improvement sooner. Credit Firm states that most of their customers reach their goal in six to eight months.


● Established since 1997

● Unlimited disputes and letters to creditors

● Low monthly fees


● Not customizable

● No guarantee

CuraDebt has been a part of the credit repair industry since 2000. They offer some of the most reputable credit repair services to raise your FICO score rapidly. This credit repair agency provides relief to their clients for medical bills, credit cards, tax debt, and other financial debts.

You can also take advantage of their free consultation to start your credit repair journey. CuraDebt asks you to stop making payments on unsecured debts and to begin saving a set amount of money in a dedicated savings account each month. Once you have accumulated enough savings, CuraDebt negotiates with your creditors to help settle debts. This way, you pay less than you currently owe in balances, interest, and fees.


● Free consultation

● No upfront fees

● Can help find creditor’s violations that can lead to cash settlements, dismissed debts amounts or both


● Not BBB accredited

● No client dashboard or mobile app

CreditFixGuy Is one of the best credit repair companies that can remove errors and help to build your credit score. They can help you deal with bankruptcy, foreclosures, repossessions, collections, late payments, evictions, and others.

Your dispute letters are prepared and sent to major credit bureaus in as little as 3 days, which means if you need instant credit repair services, CreditFixGuy is a perfect choice. Another plus about using this site is that there are no hidden fees. You make a one-time payment and receive your report via email.

CreditFixGuy is affordable, convenient, and may be able to boost your credit score in just 2 months. Other credit repair companies cannot boast about it, especially low pricesResearch.


● Affordable

● No hidden fees

● Prepare and send dispute letters in 3 days


● Not BBB accredited

● No money-back guarantee

Credit Agenda

Credit Agenda is one of the best credit repair agencies offering various credit repair services to help you improve your credit score. It has been around since 2004 and has an “A” rating by the Better Business Bureau.

Credit Agenda offers 2 plans; individual and couples. The packages include consultations with certified FICO professionals, unlimited disputes, debt validation letters, goodwill letters, and cease and desist letters.


● Free consultation

● Customized dispute letters

● Real-time progress reports


● Expensive

● No money-back guarantee

Transunion Credit Repair

What better way to repair your credit than going directly to the source? TransUnion is one of the three major credit bureaus in the US. They offer credit repair services as well as credit protection services. All you need to do is subscribe and pay under $25 every month to benefit from these services.

Their credit repair package gives you access to tools such as CreditCompass(points your credit score on the right path) and Credit Lock Plus (which allows you to access your reports in just a few clicks.)


● Affordable

● Free credit repair options

● Personalized credit score advice


● Hard to reach customer service

Credit Monkey

Credit Monkey is one of the newer credit repair companies in the industry. It was founded in 2019 and is the only company that uses credit repair software to boost your credit score. This cloud-based credit repair software company offers 6 packages to choose from and gives you access to credit monitoring tools 24/7. This way, you can follow your credit repair process in real-time.

According to Credit Monkey, at least 89% of their client’s credit reports contained serious errors. These errors were linked to collection issues, bankruptcies, charge offs and payment rolls. These can all negatively impact your credit score and report.


● Free consultation

● 24/7 credit monitoring tools

● 6 plans to choose from


● Fairly new company

● Hidden fees

Frequently Asked Questions

What is a credit repair company?

A credit repair company attempts to boost your credit score for a price. They review your credit report and work to have errors removed. They will also dispute inaccuracies with major credit bureaus and, if successful, improve your credit score.

How much do credit repair companies charge?

There is no fixed price as the price varies by company. Research and choose a credit repair company with the best success rate and affordable plans.

How long does a credit repair service take?

Similar to pricing, there is no fixed timeline. The time depends on the credit bureau. It takes about 30-45 days after receiving the dispute for the credit bureau to investigate and verify the information.

However, each of the three major credit bureaus is required to send you the investigation results no longer than 5 days after it’s complete.

How to find legitimate credit repair companies?

There are several ways to verify credit repair companies if you’re afraid of falling victim to credit repair scams. Credit repair companies you can trust will have positive reviews on the Better Business Bureau website. You should also check out the Consumer Financial Protection Bureau database for complaints from previous users.


If you’re experiencing the disadvantages of having a low credit score, a credit repair company may be your best bet. These credit repair providers can improve your credit score faster than you can on your own. They use tried and trusted practices that are guaranteed to work and even offer tips on maintaining a favorable credit score.

The time has come to stop your bad or poor credit from negatively impacting your life and financial goals. Choose one of the credit repair companies from our list and start your journey to financial freedom today.Text starts here.


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